Price
No data yet.
Social Signal Score
Analyst Ratings
16 analystsRevenue
$221.80M+183.83%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- David W. Bailey
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 1,550
- Beta
- 0.82
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- -0.54
Financials
Revenue
$221.80M+183.8%Net Income
$71.89M+180.8%EBITDA
$87.47M+143.1%Free Cash Flow
$75.19M+136.5%EPS (diluted)
$0.50+150.0%Shares Outstanding (diluted)
143.70M+8.6%Operating Expenses
$55.56MCash & Debt
$284.76MReturn of Capital
$27.25MRevenue by Segment (annual)
$65.00MDividend per Share
$0.22Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $825.80M | $253.59M | $1.78 |
| 2024 | $739.21M | $223.51M | $1.56 |
| 2023 | $622.31M | $198.98M | $1.39 |
| 2022 | $551.27M | $234.47M | $1.64 |
| 2021 | $505.62M | $227.56M | $1.60 |
| 2020 | $491.94M | $202.03M | $1.42 |
| 2019 | $417.06M | $164.81M | $1.22 |
| 2018 | $383.40M | $150.64M | $1.11 |
| 2017 | $328.67M | $120.37M | $0.91 |
| 2016 | $309.23M | $104.77M | $0.80 |
| 2015 | $287.75M | $100.38M | $0.78 |
| 2014 | $257.41M | $89.56M | $0.70 |
| 2013 | $231.85M | $78.87M | $0.62 |
| 2012 | $210.70M | $74.22M | $0.59 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FFIN's reported EPS growth of 8.9% a year over 13 years.
- EPS in 5 years
- $2.71
- Implied price
- $46.14
- Return from $32.15
- 7.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $22.94 — -28.7% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 11 | 14 | 17 | 20 | 23 |
|---|---|---|---|---|---|
| -1.1% | -10.5% | -6.1% | -2.4% | 0.8% | 3.7% |
| 3.9% | -6.0% | -1.3% | 2.6% | 5.9% | 8.9% |
| 8.9% | -1.5% | 3.4% | 7.5% | 11.0% | 14.2% |
| 13.9% | 3.1% | 8.1% | 12.4% | 16.1% | 19.4% |
| 18.9% | 7.6% | 12.9% | 17.4% | 21.2% | 24.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
50-66.29%Social Signal Score
Mentions (4)
- Newsprnewswire.com·6d ago·Neutral
FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH ABILENE, Texas, Sept. 29, 2026 /PRNewswire/ -- The Board of Directors of First Financial Bank, a subsidiary of First Financial Bankshares, Inc. (NASDAQ: FFIN), has announced its plan to open a new full-service branch in Bee Cave, Texas.
View source ↗ - Newszacks.com·33d ago·Positive
First Financial Bankshares (FFIN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial (FFIN) have what it takes?
View source ↗ - News (RSS)seekingalpha·52d ago·Neutral
First Financial Bankshares: Lofty Valuation Continues To Weigh
View source ↗ - Newsseekingalpha.com·52d ago·Neutral
First Financial Bankshares: Lofty Valuation Continues To Weigh First Financial Bankshares (FFIN) has been a disappointing performer over the past year, entirely missing out on the banking industry's large rally. FFIN's operating performance hasn't been poor. Revenue, earnings and book value have all grown nicely, but the stock has been hampered by valuation changes. With around 40% of its interest-earning assets invested in relatively low-yielding bonds, repricing should be an ongoing tailwind f…
View source ↗
Earnings
Thu, Oct 22(in 2 weeks)
Consensus estimate $0.52 per share
Typical surprise +4.4% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 16$0.50 vs $0.50miss
- Thu, Apr 16$0.50 vs $0.47beat
- Thu, Jan 22$0.51 vs $0.48beat
- Thu, Oct 23$0.36 vs $0.43miss
- Thu, Jul 17$0.47 vs $0.45beat
- Thu, Apr 17$0.43 vs $0.43beat
Estimates and results for FFIN via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by FFIN officers and directors.
- Bought
- $212k
- Sold
- $524k
5 trades
1 trade
- Denny Michael B.bought
- Butler Ronald David Iisold
- Nickles Robert Clark Jrbought
- Edwards Murray Hamiltonbought
- Nickles Robert Clark Jrbought
- Edwards Murray Hamiltonbought
94 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (63d later)Buy$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (57d later)Sell$1,001 - $15,000
- Donna Shalalahouse · FL27 · disclosed Apr 27, 2020 (308d later)Sell$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.